1329842--3/27/2009--Federal_Home_Loan_Bank_of_New_York

related topics
{condition, economic, financial}
{loss, insurance, financial}
{regulation, change, law}
{system, service, information}
{debt, indebtedness, cash}
The FHLBNY relies upon derivative instrument transactions to reduce its interest-rate risk, and changes in its credit ratings may adversely affect its ability to enter into derivative instrument transactions on acceptable terms. The FHLBanks are governed by federal laws and regulations, which could change or be applied in a manner detrimental to the FHLBNY s operations. Changes in interest rates could significantly affect the FHLBNY s financial condition and results of operations. A loss or change of business activities with large members could adversely affect the FHLBNY s results of operations and financial condition. The FHLBNY s financial condition and results of operations could be adversely affected by FHLBNY s exposure to credit risk. The FHLBNY may not be able to meet its obligations as they come due or meet the credit and liquidity needs of its members in a timely and cost-effective manner. The FHLBNY faces competition for advances, loan purchases, and access to funding, which could adversely affect its businesses and the FHLBNY s efforts to make advance pricing attractive to its members may affect earnings. The FHLBNY relies heavily on information systems and other technology. Economic downturns and changes in federal monetary policy could have an adverse effect on the FHLBNY s business and its results of operations.

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